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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order

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Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we

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Speaker 1: get started on She's on the Money podcast, I would

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Speaker 1: like to acknowledge the traditional custodians of the land of

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Speaker 1: which this podcast is recorded on a wondery country, acknowledging

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Speaker 1: the elders, the ancestors and the next generation coming through

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Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impactful tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money podcast for

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Speaker 2: millennials who want financial freedom. Welcome back to another one

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Speaker 2: of our money darries where we get to talk with

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Speaker 2: one of our incredible She's on the Money community members

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Speaker 2: all about their journey. Let's jump straight into it, because

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Speaker 2: this week we got a message and it sounded exactly

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Speaker 2: like this. Hi, She's on the Money. I'm a money failure,

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Speaker 2: but I'm working on it. I grew up in a

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Speaker 2: wealthy family, but subsequently I learned no money skills. But

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Speaker 2: now I'm getting out of debt, slowly working on a budget,

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Speaker 2: and moving from working less than seven hours a week

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Speaker 2: to thirty hours. I've got a baby on the way,

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Speaker 2: so now it's more important than ever for me to

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Speaker 2: change my ways. I'm so excited about this money drest. One,

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Speaker 2: welcome to the show, Thank you. And two, I'm obsessed

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Speaker 2: with the idea that you're giving us a money story.

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Speaker 2: But like, you're not there yet. We're on the journey,

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Speaker 2: like we're changing our mindset, but we're in the middle

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Speaker 2: of the mindset shift. Like I'm just so excited to

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Speaker 2: have a chat with you.

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Speaker 4: I'm so excited. I love every money story in binge them,

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Speaker 4: so I do love hearing all the inspo.

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Speaker 2: Is it weird hearing me do the intro? If you

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Speaker 2: binge our money diaries and it's like for you and live,

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Speaker 2: I was like.

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Speaker 4: Oh, this is me that we're talking about. This is

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Speaker 4: very weird.

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Speaker 2: How good? All right, Well, let's do a money diary.

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Speaker 2: I always ask the same first question at the start

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Speaker 2: money Diarist, what would you grade your money habits if

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Speaker 2: I forced you to give them a grade from A

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Speaker 2: through to F.

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Speaker 4: I used to think it was an F. I'd like

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Speaker 4: to be a bit kinder to myself and say I

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Speaker 4: was an e because we're working on it.

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Speaker 2: But yes, all right, well let's get a little bit

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Speaker 2: further into it. We got a very brief summary of

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Speaker 2: where you've come from, but let's dive deeper. Money diarist,

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Speaker 2: can you tell me a little bit more about your

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Speaker 2: money story.

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Speaker 4: Yeah, so I grew up with wealthy parents. They both

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Speaker 4: grew up with no money. My mum lived in a

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Speaker 4: small town with everybody in the one room in Italy,

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Speaker 4: and dad was pretty much the same but over in Melbourne.

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Speaker 4: So they built what I would say is an empire.

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Speaker 4: They provided everything for us. We all went to private school,

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Speaker 4: so I'm one of six kids.

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Speaker 2: Oh my gosh, you know someone's wealthy when in twenty

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Speaker 2: twenty four people say I'm one of six.

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Speaker 4: Like, okay, They yeah, provided everything for us. We went

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Speaker 4: on you know, an international holiday every year.

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Speaker 2: Oh my god. We six kids, not even talking about money,

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Speaker 2: like the logistics.

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Speaker 4: So the youngest three always went, and then others added

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Speaker 4: on depending on where they were with work. So there's

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Speaker 4: a lot of us to try and coordinate things with.

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Speaker 4: But yeah, so everything was easily given to us, not

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Speaker 4: in the sense that like anything we asked for was

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Speaker 4: given to us. But we were very rarely told no.

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Speaker 4: If we needed.

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Speaker 2: Something, yeah, you didn't go without.

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Speaker 4: Yeah it was very good. But we actually never spoke

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Speaker 4: about money at all. I've grown up with the same

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Speaker 4: sort of sense that you know, I can go on

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Speaker 4: travel every year, and I can do this and do that.

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Speaker 4: And I have been working since I was sixteen. I

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Speaker 4: really enjoy working. Some people would say I'm obsessed with working,

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Speaker 4: and we'll work a whole week, because since I was

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Speaker 4: about eighteen, I had studied full time and worked full time,

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Speaker 4: if not seven days a week. So I do really

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Speaker 4: like work as well. But as soon as I get money,

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Speaker 4: I spend it. And I have a little bit of

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Speaker 4: impulse control that I'm working on. But I would save

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Speaker 4: money and then I would go on a holiday and

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Speaker 4: I'd spend every single bit that I had and then

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Speaker 4: repeat the cycle again. So last year my appendix best

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Speaker 4: and I know the job that I was in at

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Speaker 4: that time, they'd lost a lot of clients, so I

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Speaker 4: cann't actually work many hours at all if I was

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Speaker 4: in a beauty role, and they'd only probably get about

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Speaker 4: seven hours of work a week and had to then

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Speaker 4: kind of adjust the fact that I wasn't earning money

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Speaker 4: and that I had my appending. So the one time

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Speaker 4: that I was going to be able to earn a

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Speaker 4: bit more money if my joke was picking up my

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Speaker 4: appendix disulted first, and what I was studying last year,

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Speaker 4: it requires me to fly into state to do.

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Speaker 2: My Oh how annoying. And you're injured so you weren't

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Speaker 2: able to do a lot of that.

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Speaker 4: Yeah, so it made it a bit harder. And it's

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Speaker 4: definitely the most expensive degree I've ever done, having to

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Speaker 4: fly into State every semester. That's crazy, Yeah, but it's

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Speaker 4: something that I love doing.

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Speaker 2: Tell me about this degree, though, like what degree has

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Speaker 2: you traveling into state? And can I guess first? Is

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Speaker 2: it like something to do with marine biology or something

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Speaker 2: that you need to travel to Tasmania for.

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Speaker 4: No, that's pretty cool though. I would love to do

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Speaker 4: that because I also love studying as much as I

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Speaker 4: love working. I love studying as well. But I study

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Speaker 4: clinical aesthetics and it's actually not something anyway. So there's

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Speaker 4: only two universities in the country that offer it, and

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Speaker 4: they're both based either in Sydney or in Melbourne. So

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Speaker 4: they held their practice into.

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Speaker 2: State, what do you do as a job. When you

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Speaker 2: study clinical aesthetics.

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Speaker 4: You are kind of less than an aesthetic nurse, but

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Speaker 4: more than a general therapist. So you can do treatments,

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Speaker 4: you can do research, you can do so much with it,

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Speaker 4: so depends on where you want to land. I like

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Speaker 4: being face to face with people, so I'm doing treatments,

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Speaker 4: but it is one of those things that who knows

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Speaker 4: where it takes me.

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Speaker 2: Now that I'm pregnant, that's literally so exciting. I'm so

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Speaker 2: interested in that space. So it's like not a beauty therapist,

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Speaker 2: but it's also like not at the other end where

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Speaker 2: you're able to do like injections and like filler and

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Speaker 2: botox and stuff, but you're allowed to do the middle

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Speaker 2: stuff that a beauty therapist wouldn't be licensed to do exactly.

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Speaker 4: And where I want to specialize, which I've still got

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Speaker 4: about a year ago, is wound healing. So working with

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Speaker 4: plastic surgeons and working with people who have got big wounds.

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Speaker 2: Oh how fun. And you mentioned in your story and

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Speaker 2: also right now that you're going to have a baby. Yes,

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Speaker 2: tell me about that.

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Speaker 4: My partner and I've been together about a year and

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Speaker 4: a half and we'd started talking about potentially having a

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Speaker 4: baby at the beginning of next year, and then she

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Speaker 4: surprised us.

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Speaker 2: Oh, we love this. She's like, guys, it's my time

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Speaker 2: to shine.

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Speaker 4: So I am due at the end of this year.

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Speaker 4: I'm due in December. But yes, it was a lovely surprise.

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Speaker 4: We are not taking any part of this for granted,

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Speaker 4: so we thought we would be in a better position.

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Speaker 4: But that's fine. We will take what we can get

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Speaker 4: when it comes to babies.

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Speaker 2: How beautiful. That's so exciting. I know this isn't money

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Speaker 2: to the US questions, but how did you find out

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Speaker 2: you were pregnant if it was a surprise, Because I

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Speaker 2: think everybody knows that I was trying to get pregnant,

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Speaker 2: so I was like testing before. I wasn't even meant

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Speaker 2: to be testing. Everyone's like, you need to wait longer

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Speaker 2: than a week there, and I'd be like, I'm a

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Speaker 2: just test in case, Like logically we know that the

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Speaker 2: line isn't going to come up, But like, how did

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Speaker 2: you find out you were pregnant if it wasn't something

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Speaker 2: that you'd planned.

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Speaker 4: Yes, So I was probably four or five days away

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Speaker 4: from getting my period, and I had a dream that

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Speaker 4: I was pregnant.

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Speaker 2: I'm so glad, I asked, So I thought.

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Speaker 4: I'll just pianistic. What's the worst it's going to happen.

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Speaker 4: It's just going to give me peace of mind in case,

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Speaker 4: you know, I'm a little bit wrong, and that is

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Speaker 4: what it is. But I was right. My dreams told

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Speaker 4: me that I was pregnant, so so sweet.

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Speaker 2: Did you know you were pregnant with a girl?

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Speaker 4: Up until week eight, I actually thought I was having

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Speaker 4: a boy. So the entire time I thought I was

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Speaker 4: having a boy. And then we did our little nicked

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Speaker 4: test and no, she's a girl.

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Speaker 2: It's wild. When I had Harvey, we didn't find out

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Speaker 2: the gender until birth and we were in the theater

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Speaker 2: and the obstetrician held Harvey up and said, what if

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Speaker 2: you guys had and my husband was like, it's a boy.

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Speaker 2: And I was just shocked because I thought he was joking,

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Speaker 2: because I thought I had the best mother's intuition in

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Speaker 2: the entire world, like I had convinced myself I was

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Speaker 2: having a girl. I didn't care about the gender, but

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Speaker 2: I just thought I was, like, you know, full of intuition.

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Speaker 2: Turns out I was incredibly wrong. He was most definitely

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Speaker 2: a boy. And yeah, so that's just a humbling experience

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Speaker 2: for me. But ah, how exciting a little lady.

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Speaker 4: Yeah, I'm very, very excited. My sister gave birth to

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Speaker 4: a boy earlier this year, and my sister in law

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Speaker 4: is about four weeks before me, so she's also having

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Speaker 4: a boy. So we're gonna have three grand babies in

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Speaker 4: a year, which is exciting.

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Speaker 2: Tell your parents they're welcome.

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Speaker 4: Yeah, well, they can't stop crying. If anyone else gets pregnant,

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Speaker 4: I think they might just pass out.

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Speaker 2: Let's give them a little bit of a break. Money arrest.

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Speaker 2: I want to know, now, what are you currently doing

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Speaker 2: for work and how much money do you earn?

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Speaker 4: So I work in retail. I have two jobs, so

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Speaker 4: I'm working six days a week at the moment, and

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Speaker 4: I work in a casual role for both of them.

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Speaker 4: And one is the big beauty retailer we all knowing

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Speaker 4: love bougie, and one is like, I sell jewelry, engagement

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Speaker 4: ringings and things like that.

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Speaker 2: Yeah cool, I feel like that's a nice mix.

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Speaker 4: With Mecca, I can absolutely spend all with my pay

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Speaker 4: in the blink of an eye, But with the other one,

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Speaker 4: I'm not buying myself an engagement ring.

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Speaker 2: So also I feel like if I work at Mecca,

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Speaker 2: I would be on a slippery slope, like you, of

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Speaker 2: all people are going to know guys, I'm a level four,

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Speaker 2: So like that tells you that if I worked at Mecca,

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Speaker 2: I'd have literally no money because I'd walk into work,

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Speaker 2: spend all my money, and then leave.

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Speaker 4: Yeah, it happens. Everybody goes through it. You get through

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Speaker 4: to a point like I've been there for over five years,

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Speaker 4: so it's been a bit of time, but you still

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Speaker 4: spend your money every time. I don't think anyone walks

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Speaker 4: into my friend doesn't buy something.

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Speaker 2: Oh my gosh. And was it always like a dream

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Speaker 2: to work at Mecca, because I feel like if you're

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Speaker 2: in this industry, like you're someone who's studying clinical aesthetics

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Speaker 2: and like putting your all into it, Like I can't

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Speaker 2: think of a better job to work out while you're studying.

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Speaker 4: Yeah, it is fantastic because a lot of my degree

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Speaker 4: is like skin conditions and skin health, so I get

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Speaker 4: a lot of practice I guess without actually being able

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Speaker 4: to diagnose.

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Speaker 2: And they would absolutely love you because then you're giving

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Speaker 2: good product recommendations. How good.

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Speaker 4: Yeah, it's very pervy. I love doing it.

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Speaker 2: Now, don't tell me what you earn per hour, But

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Speaker 2: between the two of your jobs, how much money are

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Speaker 2: you bringing home?

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Speaker 4: It's roughly two two hundred to fortnite. The last financial year,

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Speaker 4: because I didn't get to work for about six months,

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Speaker 4: it was actually about just over forty two thousand. It's

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Speaker 4: a bit hit and miss because, like I said, both

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Speaker 4: of them are casuals. Who really does depend.

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Speaker 2: On hours and time of the year and all of that. Yeah,

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Speaker 2: but like those are good jobs to have while you're studying.

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Speaker 2: Next question, I want to note, you've got a baby

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Speaker 2: on the way, you're slowly getting out of debt, you're

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Speaker 2: working on a budget, but what are your big money

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Speaker 2: goals at the moment?

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Speaker 4: First big money goal would be having an emergency fund.

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Speaker 4: Not working much last year, I don't have any savings left.

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Speaker 4: And then I would also be saving for some extra

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Speaker 4: time off Matt leave because I'll be using my centerling pay.

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Speaker 4: But if I want to have a little bit more

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Speaker 4: time with the baby, I don't want my partner to

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Speaker 4: be I mean, he's happy to be financially responsible for

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Speaker 4: all of us, but I would like to still contribute

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Speaker 4: in some way, so I'd like to have a little

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Speaker 4: bit of savings behind me as well.

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Speaker 2: I love that. I feel like having an emergency fund

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Speaker 2: at the moment is a really good goal. Have you

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Speaker 2: sat down and thought about what an emergency fund for

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Speaker 2: a young couple expecting their first baby is going to

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Speaker 2: look like? Like, what's the goal?

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Speaker 4: I haven't thought that much about it, if I'm being

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Speaker 4: completely honest.

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Speaker 2: Girl, we need to sit down.

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Speaker 4: I know. It's one of those things that like, I'm

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Speaker 4: really getting into it in the last month, and we've

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Speaker 4: never been people to like combine our finances. We didn't

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Speaker 4: even really talk about money until I started stressing about

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Speaker 4: like what next you will look like.

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Speaker 2: Oh my gosh, it is so stressful too, And like

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Speaker 2: when you start googling how much baby stuff is, it's wild.

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Speaker 2: Just to put your heart at ease and your mind

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Speaker 2: is right now. They use next to none of it.

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Speaker 2: You need ones is. The best ones are at Target,

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Speaker 2: the Target brand ones too. Nine to ninety five money

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Speaker 2: in burp cloths and a boob You are fine. If

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Speaker 2: they don't want to take the boob formula, really simple formula.

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Speaker 4: That's the plan. I'm hoping all of that we're just

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Speaker 4: going to buy as we need. So we've obviously got

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Speaker 4: the things we know we need, Carsiat, Pram, all of that,

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Speaker 4: but everything else if she needs it, we're five minutes

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Speaker 4: away from baby bunting.

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Speaker 2: Yes see, that's the mindset that I wish I had.

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Speaker 2: I kept worrying that I didn't have something, and I'd

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Speaker 2: be like, oh my gosh, like what if I don't

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Speaker 2: have it, Oh, maybe I'll just buy it in case

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Speaker 2: forgetting completely that. I literally live ten minutes from the

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Speaker 2: memo and like everybody knows, the memo has absolutely everything.

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Speaker 2: I should have used my brain a bit more, but

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Speaker 2: at the same time, like it's really exciting. I don't know,

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Speaker 2: you see something cute and you're like, I need this.

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Speaker 2: I think the thing that saved me money Diarist was

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Speaker 2: that I didn't know what gender I was having, and

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Speaker 2: that actually saved me a lot of money because I

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Speaker 2: couldn't be impulsive on oh it's a little cute pink

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Speaker 2: onesie or it's a blue onesie. Like I didn't buy

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Speaker 2: a lot of gender and stuff. I kind of made

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Speaker 2: sure I had the basics for like the hospital and

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Speaker 2: like the few weeks after then, I went ham online

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Speaker 2: shopping while I was recovering in hospital. I was high

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Speaker 2: on end don because at the end of the day

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Speaker 2: I had had a cesarean and my baby is quiet

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Speaker 2: at some point, and I was like, cool, if we

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Speaker 2: are up at three am feeding, I'm also shopping.

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Speaker 4: I understand completely. Me and my partner have been very

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Speaker 4: slow with buying her gifts just yet. But every now

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Speaker 4: and then there's a very key thing and I'm like, oh,

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Speaker 4: I can't whistle.

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Speaker 2: We need to have it. No, I adore it. All right,

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Speaker 2: let's stop the baby chat. I have a lot of questions.

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Speaker 2: Let's go to a quick break and on the flip side,

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Speaker 2: I want to know more about this debt. I want

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Speaker 2: to know more about how you're working on a budget.

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Speaker 2: I want to know your best and worse money habits.

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Speaker 2: So guys, don't go anywhere money diarist do. We are back,

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Speaker 2: and I am loving having this chat with you. I

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Speaker 2: feel like we've very quickly become besties. You've said that

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Speaker 2: you're a money failure and you're working on it. You're

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Speaker 2: currently studying clinical aesthetics. Last year you made forty two

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Speaker 2: thousand dollars and in December you're having a baby. I

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Speaker 2: just think there's a lot to unpack here, but I

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Speaker 2: want to know first money, Darist, do you invest if

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Speaker 2: so in what if not? Have you ever thought about it?

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Speaker 4: Yeah? I have my super because I've been working for

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Speaker 4: so long. I think my sweeper is currently sitting at

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Speaker 4: about forty thousand dollars. Okay, it's a nice little nest

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Speaker 4: egg that's building for me, which is lovely. And then

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Speaker 4: I do also own some shares. I did it all

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Speaker 4: myself when we were like right in the middle of

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Speaker 4: COVID and we were getting job keeper and I thought,

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Speaker 4: this is more than my casual wage. I'll just put

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Speaker 4: it all towards chares.

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Speaker 2: Oh, how good.

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Speaker 4: I think I invested five hundred dollars in different actual

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Speaker 4: companies because I was trying to find things that are

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Speaker 4: aligned with what I wanted to invest in. They've all

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Speaker 4: grown to be sort of a one hundred seventy five

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Speaker 4: percent of what I invest in, so they're returning well.

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Speaker 2: I thought, you're about to tell me it was like

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Speaker 2: one hundred and seventy five thousand dollars and I was

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Speaker 2: about to be like, Babe, this money, Darry is going

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Speaker 2: in a very different direction that I had anticipated. Unrelatable content.

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Speaker 2: But okay, tell me how much have you got in

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Speaker 2: shares now?

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Speaker 4: So I originally invested one thousand dollars, it's sitting close

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Speaker 4: to eight hundred dollars.

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Speaker 2: Oh, very nice over that period of time.

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Speaker 4: I think I bought them in twenty twenty one. I

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Speaker 4: also have Sharesyes, I've only been using it for probably

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Speaker 4: two months now, but I've essentially just put ten dollars

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Speaker 4: a week.

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Speaker 2: Oh, she's a convert. I love it.

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Speaker 4: I just want to make sure that there's something else

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Speaker 4: going towards something and if it doesn't work, it doesn't

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Speaker 4: work for me. But at least I'm trying to get

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Speaker 4: into the habit of putting away that ten dollars a week.

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Speaker 2: So tell me a little bit more. Because diving into

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Speaker 2: the share market for a lot of people can be

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Speaker 2: overwhelming and honestly uninspiring. I've been trying really hard for

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Speaker 2: my entire career to make investing sexy. But when you

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Speaker 2: start getting into the nitty gritty of it, and you

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Speaker 2: have to look at a fact sheet for an ETF,

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Speaker 2: or you look up a direct share ticker code on

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Speaker 2: the ASEX to read the website to make sure it's

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Speaker 2: a ligned to your values, like the sexiness starts to wear off.

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Speaker 2: Tell me a little bit about how you picked those

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Speaker 2: initial investments and what platform did you pick, Like, how

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Speaker 2: did you go they I'm an investor because you're young, Like,

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Speaker 2: this is something that so many of us just keep

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Speaker 2: putting off and putting off.

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Speaker 4: I used self wealth, So I got into investing. QUI

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Speaker 4: because my little sister has always been fantastic with money,

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Speaker 4: and we are competitive.

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Speaker 2: So oh, I love a competitive streak for getting ahead.

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Speaker 4: She's got into investing, so I got into investing. We

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Speaker 4: have different values in what we want to invest in.

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Speaker 4: So I just did a bit of research and I

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Speaker 4: found one's that I was happy to invest in. So

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Speaker 4: I invest in like education focused shares and things like that.

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Speaker 2: Oh how cool.

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Speaker 4: So yeah, I just found a couple of shares. I

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Speaker 4: read as much information as I could, and then I

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Speaker 4: got too scared and I thought, you know what, I'm

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Speaker 4: just going to trust my gut and pick a couple

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Speaker 4: and go from there.

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Speaker 2: Once you trusted your gut, were you like, oh, this

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Speaker 2: is definitely not as scary as I thought it would be,

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Speaker 2: because I feel like you get analysis paralysis just picking.

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Speaker 2: And then once you've picked, You're like, ah, that's it,

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Speaker 2: that's easy.

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Speaker 4: Yeah, I just thought, you know what, what's the worst

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Speaker 4: is going to happen. It's not the end of the world.

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Speaker 4: I'll just pick. I'll see how it goes. And they

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Speaker 4: all lost money for a long time, and here we are,

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Speaker 4: we're back right up, better than we started.

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Speaker 2: I love this for us all right. Now, earlier you

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Speaker 2: mentioned that you have debt and you're slowly getting out

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Speaker 2: of it. Can you tell me a little bit more

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Speaker 2: about this date? What's it for? How much is it?

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Speaker 2: What's the plan?

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Speaker 4: Yeah? So when I was younger, I got a car loan,

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Speaker 4: which the only way I was going to get a

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Speaker 4: new car and a bigger car and a safer car

401
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Speaker 4: was me getting a car loan at that point. And

402
00:18:45,920 --> 00:18:49,080
Speaker 4: so I got my car loan, and probably from the

403
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Speaker 4: first payment onwards, I regretted it.

404
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Speaker 2: No how frustrating. It's the debt and the sting every

405
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Speaker 2: month that it's coming out that you're like, look, it

406
00:18:59,320 --> 00:19:01,720
Speaker 2: was really sexy when I signed up for this. I

407
00:19:01,760 --> 00:19:03,920
Speaker 2: don't really like having to give the money back every

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Speaker 2: single month. That's no fun.

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Speaker 4: That's exactly right. So rather than my minimum, I almost

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Speaker 4: tripled what I was supposed to pay and paid it

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Speaker 4: off a lot faster than I could while I was

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Speaker 4: earning money. And then I think I've still got maybe

413
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Speaker 4: five hundred dollars. It's not a lot left on it,

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Speaker 4: and about one payment away from finishing that, which is good.

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Speaker 2: That's so exciting. How much was the car loan in

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Speaker 2: its entirety?

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Speaker 4: I was approved for twenty one, but then I got

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Speaker 4: my mom to come and negotiate.

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Speaker 2: Thanksmart playing the car, and they.

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Speaker 4: Went all the way down to seventeen because I had

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Speaker 4: so much I wanted to put into it myself. And yeah,

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Speaker 4: I think the loan total was seventeen thousand and yeah,

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Speaker 4: and now I'm down to five hundred.

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Speaker 2: I love that. How much more debt have you got?

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Speaker 2: Have you got any other debts sitting around?

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Speaker 4: Yeah? So I do use after pay, which I know

427
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Speaker 4: is not necessarily the best, but I actually use almost

428
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Speaker 4: like a to control how much goes out every fortnite.

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Speaker 2: It's a cash flow tool, yes, and.

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Speaker 4: So I do have it. I have worked with them

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Speaker 4: to keep it as low as possible with the amount

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Speaker 4: I'm allowed to spend, and I just use it for

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Speaker 4: like those little things that come up and I'm like, oh,

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Speaker 4: I forgot about that and purchase that way.

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Speaker 2: So tell me about how you have negotiated with them

436
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Speaker 2: to have it be a lower amount, because that's not easy.

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00:20:25,480 --> 00:20:27,880
Speaker 2: You can't just log online and drop it. Have you

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00:20:27,960 --> 00:20:30,160
Speaker 2: like called up after pay and been like, give me less?

439
00:20:30,480 --> 00:20:33,040
Speaker 4: Yeah, pretty much. I sent them a message because I

440
00:20:33,080 --> 00:20:34,679
Speaker 4: had gotten to a point where I think it was

441
00:20:34,760 --> 00:20:36,880
Speaker 4: close to two thousand dollars or even a bit more

442
00:20:36,920 --> 00:20:39,520
Speaker 4: than that that they had approved me, and I was like,

443
00:20:40,080 --> 00:20:42,080
Speaker 4: I want to be honest, I'm the most reckless and

444
00:20:42,119 --> 00:20:45,520
Speaker 4: impulsal with money sometimes I don't want to be responsible

445
00:20:45,520 --> 00:20:47,280
Speaker 4: for that, and I don't want to owe you guys fees,

446
00:20:47,440 --> 00:20:50,440
Speaker 4: So I'd rather keep it under a thousand dollars or

447
00:20:50,480 --> 00:20:52,600
Speaker 4: as you know, whatever the lowest it could be at

448
00:20:52,600 --> 00:20:54,639
Speaker 4: that point in time. And I think it sits at

449
00:20:54,640 --> 00:20:56,920
Speaker 4: about like a thousand dollars, but I wouldn't let myself

450
00:20:56,920 --> 00:20:59,800
Speaker 4: get anything close to that because I get a bit anxious.

451
00:21:00,119 --> 00:21:02,560
Speaker 4: In case you know that Fortnite is the fortnighte that

452
00:21:02,600 --> 00:21:05,440
Speaker 4: I don't work as much or anything like that.

453
00:21:05,600 --> 00:21:08,439
Speaker 2: It's stress inducing. I love that you're controlling it and

454
00:21:08,560 --> 00:21:12,400
Speaker 2: using it as a cash flow tool. I obviously can

455
00:21:12,440 --> 00:21:15,199
Speaker 2: be quite cynical on after pay, and I mean I

456
00:21:15,240 --> 00:21:18,560
Speaker 2: am with all buy now, pay later platforms, right, it's

457
00:21:18,560 --> 00:21:20,919
Speaker 2: not because they're not good tools. Like after pay in

458
00:21:21,000 --> 00:21:24,520
Speaker 2: your situation, you're working casually, we can dofers and payments

459
00:21:24,520 --> 00:21:27,920
Speaker 2: for things that you ultimately needed. But it's the slippery

460
00:21:28,000 --> 00:21:30,919
Speaker 2: slope that they provide to people who don't see it

461
00:21:30,960 --> 00:21:33,440
Speaker 2: as a form of debt. They go, well, I've after

462
00:21:33,440 --> 00:21:35,720
Speaker 2: paid it, and it's like, well, yes, that's basically the

463
00:21:35,720 --> 00:21:37,760
Speaker 2: same as using your credit card, even though you're not

464
00:21:37,800 --> 00:21:40,719
Speaker 2: paying interest. Like, those are things that you might not

465
00:21:40,760 --> 00:21:42,439
Speaker 2: have spent money on, and it's putting you in a

466
00:21:42,480 --> 00:21:45,600
Speaker 2: negative situation. So I picked up on the tone of

467
00:21:45,640 --> 00:21:47,480
Speaker 2: what you were sayingually, oh it's not great, but like

468
00:21:47,560 --> 00:21:49,600
Speaker 2: then you explained a really great way that you had

469
00:21:49,680 --> 00:21:52,760
Speaker 2: used it, and you've brought down how much you're able

470
00:21:52,800 --> 00:21:55,159
Speaker 2: to even spend on that, and you're responsible with it,

471
00:21:55,200 --> 00:21:57,640
Speaker 2: Like I would say, you're far more in control than

472
00:21:58,080 --> 00:21:59,000
Speaker 2: you've made out to be.

473
00:21:59,160 --> 00:22:02,320
Speaker 4: My friend, I wasn't when I first had it. I

474
00:22:02,359 --> 00:22:04,080
Speaker 4: got it whenever it first launched.

475
00:22:04,480 --> 00:22:06,040
Speaker 2: You know, I had to learn the hard way.

476
00:22:06,320 --> 00:22:08,040
Speaker 4: I had to learn the hard way. I didn't want

477
00:22:08,040 --> 00:22:10,080
Speaker 4: to be responsible for that kind of debt. I like

478
00:22:10,560 --> 00:22:13,800
Speaker 4: having the option. I don't always use it, though, so that.

479
00:22:13,880 --> 00:22:16,520
Speaker 2: Is so fair. Are there any other debts that we

480
00:22:16,600 --> 00:22:18,920
Speaker 2: haven't discussed technically?

481
00:22:19,000 --> 00:22:21,320
Speaker 4: Yes, I do owe a little bit of money on

482
00:22:21,400 --> 00:22:23,879
Speaker 4: my tax return this year. I haven't lodged it because

483
00:22:23,880 --> 00:22:25,520
Speaker 4: I'm just going to put that off for a little bit.

484
00:22:25,680 --> 00:22:27,640
Speaker 4: It's not a lot. I've been able to claim enough

485
00:22:27,680 --> 00:22:29,719
Speaker 4: to bring that down to about I think it's three

486
00:22:29,800 --> 00:22:32,040
Speaker 4: hundred dollars that I'm going to owe the government. You

487
00:22:32,080 --> 00:22:34,240
Speaker 4: know that can wait a little second. I know it's there,

488
00:22:34,280 --> 00:22:35,200
Speaker 4: and I'm working towards it.

489
00:22:35,600 --> 00:22:38,679
Speaker 2: You've got time. I like that, and I like that

490
00:22:38,760 --> 00:22:42,040
Speaker 2: you know in advance, like most people don't know in

491
00:22:42,080 --> 00:22:44,440
Speaker 2: advance what they're going to all on tax? Who is this?

492
00:22:45,440 --> 00:22:48,879
Speaker 4: Both of my parents work in tax, so it's helpful

493
00:22:48,920 --> 00:22:50,919
Speaker 4: to be prepared and to have somebody in my corner

494
00:22:50,960 --> 00:22:51,560
Speaker 4: helping me out.

495
00:22:51,840 --> 00:22:55,439
Speaker 2: That feels like me right, Like if anybody remembers, I

496
00:22:55,520 --> 00:23:00,040
Speaker 2: basically repeat the same stories over and over. But I

497
00:23:00,040 --> 00:23:02,520
Speaker 2: grew up in a family we definitely were not wealthy.

498
00:23:03,000 --> 00:23:05,600
Speaker 2: But I grew up in a family where my dad

499
00:23:05,640 --> 00:23:07,760
Speaker 2: was an accountant and tried to teach me money over

500
00:23:07,840 --> 00:23:09,560
Speaker 2: and over and over again. And do you think I

501
00:23:09,600 --> 00:23:13,280
Speaker 2: would listen? Absolutely not. And I'm sure you're in the

502
00:23:13,320 --> 00:23:15,440
Speaker 2: same situation where they're trying to teach you know. I mean,

503
00:23:15,440 --> 00:23:18,359
Speaker 2: you probably didn't talk about money per se in relation

504
00:23:18,480 --> 00:23:20,320
Speaker 2: to their money or what you could spend, but they

505
00:23:20,359 --> 00:23:22,159
Speaker 2: would probably be trying to educate you. And it's not

506
00:23:22,240 --> 00:23:24,280
Speaker 2: until you're in a pickle that you're like, maybe I

507
00:23:24,280 --> 00:23:25,520
Speaker 2: should have listened to dad.

508
00:23:26,440 --> 00:23:29,000
Speaker 4: Yeah, it's often the case. It's actually very cute. They

509
00:23:29,080 --> 00:23:30,680
Speaker 4: actually met at the ATO.

510
00:23:31,400 --> 00:23:34,520
Speaker 2: So so cute an Ado dream.

511
00:23:35,240 --> 00:23:40,040
Speaker 4: Yeah. So they're very much yeah, finance focused and tax focused.

512
00:23:40,160 --> 00:23:42,080
Speaker 4: So it's good to have in my corner now that

513
00:23:42,160 --> 00:23:44,000
Speaker 4: I'm have my head screwed on a little bit and

514
00:23:44,000 --> 00:23:45,160
Speaker 4: I will actually listen and learnt.

515
00:23:45,880 --> 00:23:47,840
Speaker 2: I like that. Now, tell me about what you think

516
00:23:47,880 --> 00:23:49,159
Speaker 2: your best money habit is.

517
00:23:50,400 --> 00:23:52,560
Speaker 4: I'm always looking for a way to earn more. So

518
00:23:52,840 --> 00:23:56,000
Speaker 4: I like to mystery shop so that like if I

519
00:23:56,040 --> 00:23:58,800
Speaker 4: want to go out for grilled for instance, like my

520
00:23:58,800 --> 00:24:01,639
Speaker 4: mystery shop covers my pain and then I just you know,

521
00:24:02,119 --> 00:24:02,880
Speaker 4: I get paid to.

522
00:24:02,800 --> 00:24:05,480
Speaker 2: Eat what's a grilled order? Because I feel like this

523
00:24:05,600 --> 00:24:08,560
Speaker 2: is very telling of somebody's personality. What are you ordering

524
00:24:09,200 --> 00:24:09,840
Speaker 2: at the moment?

525
00:24:10,160 --> 00:24:12,600
Speaker 4: I am not eating a lot with baby, but I

526
00:24:13,080 --> 00:24:15,640
Speaker 4: really like the what's it called Wild wild West, the

527
00:24:15,840 --> 00:24:17,120
Speaker 4: pineapple one.

528
00:24:17,200 --> 00:24:20,160
Speaker 2: Or I always get pineapple on my burger, so good,

529
00:24:20,960 --> 00:24:24,240
Speaker 2: it is good. I'm obsessed with They have the impossible burgers,

530
00:24:24,280 --> 00:24:27,240
Speaker 2: so I get the impossible guard and goodness with grilled pineapple.

531
00:24:27,440 --> 00:24:29,920
Speaker 4: Yeah, it's fantastic. I don't know why anyone wouldn't eat

532
00:24:29,920 --> 00:24:32,840
Speaker 4: pineapple on their pizza or on this burger, but.

533
00:24:33,280 --> 00:24:35,240
Speaker 2: I think it's funny that you mention it because you're like,

534
00:24:35,359 --> 00:24:37,720
Speaker 2: I mystery shoped to go to grilled. Last time I

535
00:24:37,760 --> 00:24:41,080
Speaker 2: went to Grilled, which, hilariously enough, was last night. My

536
00:24:41,119 --> 00:24:43,240
Speaker 2: burger was like more than twenty dollars, and I was like,

537
00:24:44,280 --> 00:24:47,840
Speaker 2: this is a lot, Like the cost of living is insane,

538
00:24:48,080 --> 00:24:51,080
Speaker 2: Like how did I just spend more than twenty dollars

539
00:24:51,400 --> 00:24:54,760
Speaker 2: on a single burger from arguably a takeaway location. This

540
00:24:54,960 --> 00:24:57,760
Speaker 2: is to me crazy. So it's like a special treat.

541
00:24:57,840 --> 00:25:00,199
Speaker 2: I'm glad that you are funding it smartly, and I'm not.

542
00:25:01,800 --> 00:25:04,240
Speaker 4: It's so easy to do, like in my spare time,

543
00:25:04,520 --> 00:25:07,199
Speaker 4: so I pick up whatever job I want, So that

544
00:25:07,280 --> 00:25:09,800
Speaker 4: works well, and I do always try to work as

545
00:25:09,840 --> 00:25:13,880
Speaker 4: much as I can, although again, being pregnant is becoming

546
00:25:13,920 --> 00:25:16,200
Speaker 4: more apparent that I can't work as much as i'd like.

547
00:25:16,800 --> 00:25:20,600
Speaker 2: How's that impacting you, like the pregnancy, Like are you

548
00:25:20,720 --> 00:25:23,640
Speaker 2: not well? Like what does that look like? Until December?

549
00:25:24,600 --> 00:25:28,320
Speaker 4: Yeah, so the first three months I spent every day vomiting,

550
00:25:28,359 --> 00:25:31,240
Speaker 4: and when I wasn't vomiting, I was nauseous, so wasn't

551
00:25:31,280 --> 00:25:33,720
Speaker 4: a fan. Then I got good for about a month

552
00:25:33,800 --> 00:25:37,800
Speaker 4: and now I'm back to being six. So, No, I

553
00:25:37,840 --> 00:25:41,320
Speaker 4: can't work all the time, and especially standing up in retail,

554
00:25:41,359 --> 00:25:43,760
Speaker 4: I can't. But my other retail job, I am by

555
00:25:43,800 --> 00:25:47,240
Speaker 4: appointment only, so I'm sitting down for everything, which makes

556
00:25:47,280 --> 00:25:50,320
Speaker 4: life a lot easier. Yeah, but I'm just trying to

557
00:25:50,320 --> 00:25:53,160
Speaker 4: work as much as I can when when I can. Yeah.

558
00:25:53,200 --> 00:25:56,359
Speaker 2: That was something that I planned every part of my

559
00:25:56,480 --> 00:26:03,440
Speaker 2: pregnancies and didn't foresee coming. Like thankfully I knew once

560
00:26:03,480 --> 00:26:06,040
Speaker 2: I got pregnant pretty quickly that I wasn't very good

561
00:26:06,040 --> 00:26:08,920
Speaker 2: at being pregnant. And I know that lots of people

562
00:26:08,960 --> 00:26:11,960
Speaker 2: say pregnancy is beautiful, like it's the most beautiful time

563
00:26:12,000 --> 00:26:14,480
Speaker 2: of your life. Like, yes, maybe it was for you,

564
00:26:14,560 --> 00:26:17,879
Speaker 2: but not for me, like pregnancy in general is not

565
00:26:18,000 --> 00:26:20,320
Speaker 2: for me, and that's okay. Will I do it again? Yeah,

566
00:26:20,400 --> 00:26:23,200
Speaker 2: I'll try, but I won't enjoy it. And I love

567
00:26:23,280 --> 00:26:25,359
Speaker 2: that other people enjoy it, and it doesn't make me

568
00:26:25,480 --> 00:26:28,159
Speaker 2: less grateful that I can get pregnant and had a

569
00:26:28,200 --> 00:26:31,320
Speaker 2: baby and all of that, but like, my gosh, it

570
00:26:31,400 --> 00:26:33,680
Speaker 2: is a ride, but it looks like a ride that's

571
00:26:33,720 --> 00:26:37,359
Speaker 2: now going to financially impact you. Are you planning around that?

572
00:26:37,560 --> 00:26:39,800
Speaker 2: Like what conversations are you having with your partner?

573
00:26:40,520 --> 00:26:44,399
Speaker 4: He is so kind and very concerned for my health,

574
00:26:44,440 --> 00:26:47,240
Speaker 4: which is lovely. So he's actually encouraging me to step

575
00:26:47,280 --> 00:26:49,639
Speaker 4: back from work a little bit. He's like, don't worry

576
00:26:49,760 --> 00:26:52,240
Speaker 4: if there's anything that comes up that's on me. Like

577
00:26:52,359 --> 00:26:54,320
Speaker 4: I'm the one that asking me to work less and

578
00:26:54,800 --> 00:26:59,040
Speaker 4: do all of that. So that's very lovely, But it's

579
00:26:59,080 --> 00:27:01,159
Speaker 4: also such a hard mindset for me to shift. It

580
00:27:01,160 --> 00:27:03,240
Speaker 4: didn't occur to me that I wouldn't be working next year,

581
00:27:03,440 --> 00:27:05,800
Speaker 4: Like it didn't make sense to me because I have

582
00:27:05,920 --> 00:27:09,000
Speaker 4: worked so much my entire life that oh wait, no,

583
00:27:09,080 --> 00:27:11,200
Speaker 4: I actually have to stop because I'm now someone's mum

584
00:27:11,240 --> 00:27:15,720
Speaker 4: and they need me. It was such a mindset shift

585
00:27:15,720 --> 00:27:19,000
Speaker 4: that I can't do everything all of the time.

586
00:27:19,359 --> 00:27:22,040
Speaker 2: No, and that is literally a full time job. Like

587
00:27:22,400 --> 00:27:26,879
Speaker 2: it's so insane how exhausted you become and how on

588
00:27:27,240 --> 00:27:29,000
Speaker 2: you are all the time. Don't get me wrong, it

589
00:27:29,040 --> 00:27:31,560
Speaker 2: is the best job in the entire world, but it

590
00:27:31,680 --> 00:27:33,840
Speaker 2: is a lot. Like you might not be going to

591
00:27:33,920 --> 00:27:36,320
Speaker 2: work anymore. But I'm sorry if you're tired now. Ha

592
00:27:36,400 --> 00:27:37,760
Speaker 2: huh yeh.

593
00:27:38,119 --> 00:27:40,479
Speaker 4: I'm fully prepared for the fact that this is just

594
00:27:40,520 --> 00:27:42,040
Speaker 4: prepping me for what it might be.

595
00:27:42,200 --> 00:27:43,960
Speaker 2: No, no, no, do you know what? And this is

596
00:27:44,040 --> 00:27:46,680
Speaker 2: complete side note. A lot of people they always say,

597
00:27:46,800 --> 00:27:48,600
Speaker 2: just wait until you have the baby. It's going to

598
00:27:48,640 --> 00:27:52,360
Speaker 2: get harder. No sit down, stop telling me just wait.

599
00:27:53,040 --> 00:27:57,159
Speaker 2: Pregnancy tired is like no other Like I feel better

600
00:27:57,480 --> 00:28:01,080
Speaker 2: postpardum at three am when I have a screaming baby

601
00:28:01,119 --> 00:28:04,400
Speaker 2: than I ever did pregnant, Like, if you go through

602
00:28:04,440 --> 00:28:07,080
Speaker 2: that nauseous period like I had, HG, it sounds like

603
00:28:07,119 --> 00:28:11,160
Speaker 2: you're pretty much on the same path. It sucks being pregnant.

604
00:28:11,640 --> 00:28:14,879
Speaker 2: Being not pregnant a blessing, Like you can deal with

605
00:28:14,960 --> 00:28:16,800
Speaker 2: anything when you're not nauseous.

606
00:28:17,200 --> 00:28:19,600
Speaker 4: Yeah, I am grateful to be pregnant, but I am

607
00:28:19,680 --> 00:28:21,040
Speaker 4: so happy when she's out of me.

608
00:28:21,440 --> 00:28:26,000
Speaker 2: Yeah, agreed, all right, So any other really good money habits.

609
00:28:26,200 --> 00:28:28,720
Speaker 4: I'd say that's pretty much everything. I do have a

610
00:28:28,720 --> 00:28:30,480
Speaker 4: pretty good mindset in the sense that I don't have

611
00:28:30,520 --> 00:28:33,880
Speaker 4: a scarcity mindset. So I just always believe that if

612
00:28:33,880 --> 00:28:36,000
Speaker 4: something bad was to happen, I would just earn more money.

613
00:28:36,040 --> 00:28:37,760
Speaker 4: I would find a different job, I would do this,

614
00:28:38,160 --> 00:28:41,160
Speaker 4: And I think that's what makes me slightly less stressed

615
00:28:41,360 --> 00:28:45,640
Speaker 4: about certain situations, Like I think had last year happened

616
00:28:45,640 --> 00:28:47,880
Speaker 4: to me and I didn't have that mindset, I would

617
00:28:47,920 --> 00:28:49,560
Speaker 4: have been very down in the dumps for a while

618
00:28:49,600 --> 00:28:52,680
Speaker 4: and kind of spiraled into a debt spiral, whereas now

619
00:28:53,160 --> 00:28:55,080
Speaker 4: like I'm just like, no, I'll just build it back up.

620
00:28:55,120 --> 00:28:57,920
Speaker 4: I'll earn more money when I'm healthy again. And here

621
00:28:57,960 --> 00:28:58,200
Speaker 4: we are.

622
00:28:58,680 --> 00:29:01,800
Speaker 2: That is so good, all right? Tell me, though, what's

623
00:29:01,800 --> 00:29:02,800
Speaker 2: your worst money have it?

624
00:29:03,800 --> 00:29:09,280
Speaker 4: I'm extremely impulsive and I do really love to shop,

625
00:29:09,360 --> 00:29:12,800
Speaker 4: and like emotionally shop as well. So like when I'm

626
00:29:12,800 --> 00:29:15,720
Speaker 4: feeling not my best self, especially in my pregnancy, I'm like,

627
00:29:16,000 --> 00:29:19,280
Speaker 4: but I deserve like some clothes that feel good in pregnancy,

628
00:29:19,400 --> 00:29:21,680
Speaker 4: or I will deserve to buy the baby this, or

629
00:29:22,360 --> 00:29:24,320
Speaker 4: you know, I like to treat myself a little bit.

630
00:29:24,760 --> 00:29:26,920
Speaker 4: But I'm getting on top of that. And I think

631
00:29:26,960 --> 00:29:28,720
Speaker 4: the other thing is, like I don't really have much

632
00:29:28,720 --> 00:29:32,120
Speaker 4: of a budget. My income's always variable. I kind of

633
00:29:32,880 --> 00:29:35,280
Speaker 4: see what I get paid that fortnight and then kind

634
00:29:35,280 --> 00:29:38,040
Speaker 4: of work it out from there. It's never hard and fast,

635
00:29:38,160 --> 00:29:42,080
Speaker 4: so I often get surprised by my bills. But that's

636
00:29:42,120 --> 00:29:44,040
Speaker 4: something I'm working on. Me and my partner have started

637
00:29:44,040 --> 00:29:46,960
Speaker 4: to sit down. We've actually got a money date booked

638
00:29:47,000 --> 00:29:51,360
Speaker 4: in which he thinks is really dalky, but I think

639
00:29:51,400 --> 00:29:52,160
Speaker 4: it's really cool.

640
00:29:52,640 --> 00:29:54,840
Speaker 2: All right, sit down, sir. This is the sexiest thing

641
00:29:54,840 --> 00:29:55,520
Speaker 2: I've ever heard.

642
00:29:56,160 --> 00:29:59,080
Speaker 4: Yeah, And so we're gonna like have a proper look

643
00:29:59,080 --> 00:30:02,000
Speaker 4: at what we spend, where we spend. And like I

644
00:30:02,000 --> 00:30:03,720
Speaker 4: said to him, I was like, it's not about judging

645
00:30:03,720 --> 00:30:06,040
Speaker 4: where our money goes. It's just knowing where our money

646
00:30:06,080 --> 00:30:08,480
Speaker 4: goes and if that's something that we're happy with or

647
00:30:08,520 --> 00:30:10,320
Speaker 4: if we want to change it, like, we don't know

648
00:30:10,400 --> 00:30:10,920
Speaker 4: until we know.

649
00:30:11,520 --> 00:30:14,760
Speaker 2: And I feel like there's something incredibly powerful about setting

650
00:30:14,800 --> 00:30:16,680
Speaker 2: up a money date, whether you are single and you

651
00:30:16,720 --> 00:30:19,320
Speaker 2: are just setting time aside for yourself to do that,

652
00:30:20,240 --> 00:30:22,120
Speaker 2: or you're in a couple for a really long time

653
00:30:22,160 --> 00:30:24,280
Speaker 2: and you're finally deciding to do it. I feel like

654
00:30:24,680 --> 00:30:28,240
Speaker 2: setting a time and setting a date and carving out

655
00:30:28,280 --> 00:30:32,400
Speaker 2: that space to have that conversation means you both enter

656
00:30:32,440 --> 00:30:36,360
Speaker 2: the conversation with the right mindset. So many times, you know,

657
00:30:36,600 --> 00:30:38,760
Speaker 2: I might have come home and said to Steve, we

658
00:30:38,840 --> 00:30:41,160
Speaker 2: really need to be talking about our budget, and like,

659
00:30:41,280 --> 00:30:43,280
Speaker 2: I've just had an hour in the car to myself.

660
00:30:43,320 --> 00:30:45,320
Speaker 2: I've thought about all the things we need to do,

661
00:30:45,360 --> 00:30:47,840
Speaker 2: all the things we need to change, But he wasn't

662
00:30:47,880 --> 00:30:50,040
Speaker 2: ready for me to walk into the house and start

663
00:30:50,040 --> 00:30:52,400
Speaker 2: talking money. Like you sometimes need to be in the

664
00:30:52,440 --> 00:30:55,040
Speaker 2: right mind frame, and like setting a time, setting a

665
00:30:55,120 --> 00:30:57,600
Speaker 2: date and putting it aside means that you're both entering

666
00:30:57,640 --> 00:31:01,000
Speaker 2: the chat on the same page and we can actually

667
00:31:01,040 --> 00:31:04,800
Speaker 2: create a sustainable and good budget and we know who's

668
00:31:04,840 --> 00:31:07,200
Speaker 2: bringing what to the table. And I just think that

669
00:31:07,360 --> 00:31:11,120
Speaker 2: is so incredibly powerful. When you say you're working on

670
00:31:11,160 --> 00:31:13,800
Speaker 2: a budget, like have you done any pre work for this,

671
00:31:13,960 --> 00:31:15,600
Speaker 2: or is this something that you're like, look, the money

672
00:31:15,640 --> 00:31:18,360
Speaker 2: date hasn't come up yet, it's coming, but we're going

673
00:31:18,400 --> 00:31:21,320
Speaker 2: to do it, or like have you started tracking expenses

674
00:31:21,400 --> 00:31:24,040
Speaker 2: or writing down what's going on? Like where are we

675
00:31:24,080 --> 00:31:24,520
Speaker 2: at with that.

676
00:31:25,200 --> 00:31:28,360
Speaker 4: I've started looking back on all my past bills, so

677
00:31:28,440 --> 00:31:30,600
Speaker 4: like looking at all my car insurance was this year

678
00:31:30,640 --> 00:31:32,960
Speaker 4: at the beginning, so that next year I have a

679
00:31:33,080 --> 00:31:35,400
Speaker 4: rough idea of what's coming up or whatever it is.

680
00:31:35,880 --> 00:31:38,600
Speaker 4: I'm still in the habit of liking the surprise of

681
00:31:38,600 --> 00:31:40,920
Speaker 4: where my money goes, but I'm trying to be better.

682
00:31:41,200 --> 00:31:44,400
Speaker 4: And so, yeah, it's mainly like the big bills. And

683
00:31:44,880 --> 00:31:47,280
Speaker 4: he owns his home, so he pays mortgage, but I

684
00:31:47,400 --> 00:31:48,200
Speaker 4: pray rent.

685
00:31:48,080 --> 00:31:51,360
Speaker 2: Good choice for baby daddy. I like this because so.

686
00:31:52,280 --> 00:31:54,760
Speaker 4: It's just about like tracking what's the house expense, and

687
00:31:54,800 --> 00:31:56,400
Speaker 4: so I've asked him to kind of look into that

688
00:31:56,480 --> 00:31:59,400
Speaker 4: as well, but we haven't actually got something fully written out.

689
00:31:59,480 --> 00:32:03,600
Speaker 4: My star has a pretty basic budget or hers is fantastic,

690
00:32:03,720 --> 00:32:06,840
Speaker 4: but she sent me something that's sort of a very

691
00:32:07,200 --> 00:32:09,840
Speaker 4: basic version of hers to just get me started. But

692
00:32:10,320 --> 00:32:11,520
Speaker 4: I'm not really sure what I'm doing.

693
00:32:11,600 --> 00:32:13,480
Speaker 2: So now I'm going to fix it for you. Before

694
00:32:13,480 --> 00:32:15,040
Speaker 2: your money date. I'm going to give you access to

695
00:32:15,080 --> 00:32:17,400
Speaker 2: our money masterclass so that you can do that. This

696
00:32:17,560 --> 00:32:21,000
Speaker 2: spreadsheet in there like I made it, so I'm biased,

697
00:32:21,040 --> 00:32:23,600
Speaker 2: so take my advice however you want. But it is

698
00:32:23,680 --> 00:32:25,520
Speaker 2: next level, like you don't even have to do a

699
00:32:25,560 --> 00:32:28,600
Speaker 2: lot of the calculations because I've auto formulated them, and

700
00:32:28,640 --> 00:32:31,000
Speaker 2: you just put in all of your expenses and then

701
00:32:31,040 --> 00:32:33,760
Speaker 2: it'll spit out where you're spending it, what bank accounts

702
00:32:33,800 --> 00:32:36,120
Speaker 2: it needs to go in, what this looks like, how

703
00:32:36,160 --> 00:32:38,280
Speaker 2: it might work for you, and you can even put

704
00:32:38,320 --> 00:32:41,520
Speaker 2: in like money goals and what that looks like. You go,

705
00:32:41,600 --> 00:32:44,120
Speaker 2: here is my income, these are my expenses, and then

706
00:32:44,320 --> 00:32:47,400
Speaker 2: you go to the next sheet and it'll be like, okay, money, darist,

707
00:32:47,480 --> 00:32:50,120
Speaker 2: you have this much leftover from your budget to spend

708
00:32:50,120 --> 00:32:53,040
Speaker 2: on your goals. What's your emergency fund going to be

709
00:32:53,080 --> 00:32:55,040
Speaker 2: looking like? And then the next page, once you put

710
00:32:55,080 --> 00:32:57,200
Speaker 2: all that in, it's like, all right, here's the cash

711
00:32:57,240 --> 00:33:00,240
Speaker 2: flow system. Every single week, you need to transfer to

712
00:33:00,320 --> 00:33:03,000
Speaker 2: this account X to this account and don't forget red Joe,

713
00:33:03,080 --> 00:33:05,120
Speaker 2: that's going to come up in six months. But we're

714
00:33:05,160 --> 00:33:07,880
Speaker 2: saving for it over here, and I'm obsessed with it,

715
00:33:08,360 --> 00:33:10,880
Speaker 2: probably because I made it, but I'm going to give

716
00:33:10,920 --> 00:33:12,440
Speaker 2: you that, and then you could fill all of that

717
00:33:12,520 --> 00:33:14,240
Speaker 2: in before your money date and your partner's going to

718
00:33:14,280 --> 00:33:17,040
Speaker 2: be like, Okay, wizard, no worries, thank you.

719
00:33:17,000 --> 00:33:18,960
Speaker 4: So much. I was trying to write my own one,

720
00:33:18,960 --> 00:33:20,960
Speaker 4: and that's when I resorted to ask in my sister

721
00:33:21,000 --> 00:33:23,520
Speaker 4: because I was like, I don't understand excel. I don't

722
00:33:23,520 --> 00:33:24,200
Speaker 4: know how to use this.

723
00:33:24,360 --> 00:33:26,520
Speaker 2: It's hard and overwhelming if you don't get it. But

724
00:33:26,720 --> 00:33:29,160
Speaker 2: don't worry. You can't muck this up because I've actually

725
00:33:29,240 --> 00:33:31,920
Speaker 2: locked every single cell in it, so you can only

726
00:33:31,960 --> 00:33:34,640
Speaker 2: put numbers in and change like the names for things.

727
00:33:34,680 --> 00:33:36,479
Speaker 2: You can't break it because I've locked it.

728
00:33:37,400 --> 00:33:39,600
Speaker 4: Fantastic, that's what I need in my line.

729
00:33:40,040 --> 00:33:42,120
Speaker 2: I was like when I made it, I literally laughed

730
00:33:42,160 --> 00:33:44,400
Speaker 2: and was like, I'm going to lock this down so

731
00:33:44,440 --> 00:33:47,080
Speaker 2: that no one can mess with my formulas, because I

732
00:33:47,120 --> 00:33:49,880
Speaker 2: don't need someone accidentally messing with a formula and then

733
00:33:49,880 --> 00:33:52,640
Speaker 2: getting like the wrong output, and then I'd be mortified.

734
00:33:52,720 --> 00:33:56,520
Speaker 2: So no, we've like doubled down and I've even highlighted

735
00:33:56,640 --> 00:33:58,520
Speaker 2: these are the only boxes you can fill in. You

736
00:33:58,560 --> 00:34:00,520
Speaker 2: can change the names here. That's it.

737
00:34:01,200 --> 00:34:04,080
Speaker 4: Okay good, It sounds like it's yeah for me.

738
00:34:04,880 --> 00:34:07,440
Speaker 2: So far, so good. People tell me it's full proof.

739
00:34:07,520 --> 00:34:09,920
Speaker 2: We love that money doest. I have a bit of

740
00:34:09,960 --> 00:34:11,759
Speaker 2: a bone to pick with you, though, so I'll be

741
00:34:11,840 --> 00:34:13,880
Speaker 2: nice to you I'll give you the money masterclass. But

742
00:34:13,920 --> 00:34:15,440
Speaker 2: now you've got to sit down because I need to

743
00:34:15,840 --> 00:34:17,719
Speaker 2: have a hard word with you. You said, I used

744
00:34:17,719 --> 00:34:20,120
Speaker 2: to be in F and I was like, great, good reflection,

745
00:34:20,760 --> 00:34:22,680
Speaker 2: but I'm now an E and I was like, okay,

746
00:34:22,719 --> 00:34:25,719
Speaker 2: this is good, Like, let's have this conversation. You then

747
00:34:25,800 --> 00:34:29,279
Speaker 2: went on to explain that you know you've got the

748
00:34:29,360 --> 00:34:32,719
Speaker 2: goal of creating an emergency fund. You've already planned, you

749
00:34:32,760 --> 00:34:34,719
Speaker 2: know what scent Link is going to look like for

750
00:34:34,800 --> 00:34:37,640
Speaker 2: Matt Leeve. You've clearly got a very supportive partner who's,

751
00:34:37,880 --> 00:34:39,880
Speaker 2: you know, making sure that you're putting yourself in the

752
00:34:39,880 --> 00:34:42,840
Speaker 2: best possible position while you're going through this pregnancy. You

753
00:34:42,880 --> 00:34:44,520
Speaker 2: knew off the top of your head what you're super

754
00:34:44,760 --> 00:34:48,520
Speaker 2: was you have shares like you're an actually investor. Not

755
00:34:48,560 --> 00:34:51,000
Speaker 2: only are you an investor, you invested in twenty twenty

756
00:34:51,000 --> 00:34:53,080
Speaker 2: one one thousand dollars and now it's up to eighteen

757
00:34:53,200 --> 00:34:57,560
Speaker 2: hundred bucks, you're also on shares. E's I fully anticipated

758
00:34:57,800 --> 00:35:00,319
Speaker 2: someone who said that they were an E to say, no,

759
00:35:00,600 --> 00:35:03,600
Speaker 2: I actually don't invest yet. They no idea even what

760
00:35:03,719 --> 00:35:06,440
Speaker 2: it is, and that's not an issue. That was just

761
00:35:06,560 --> 00:35:09,640
Speaker 2: my expectation. You then went on to say, I had

762
00:35:09,640 --> 00:35:12,359
Speaker 2: a car loan of seventeen thousand dollars, brought my mum

763
00:35:12,360 --> 00:35:14,680
Speaker 2: in to negotiate it down because I'm a genius and

764
00:35:14,719 --> 00:35:17,640
Speaker 2: that's what I should have done. Didn't like the payments,

765
00:35:17,760 --> 00:35:20,520
Speaker 2: so they guess what I did, tripled them, So I

766
00:35:20,560 --> 00:35:23,560
Speaker 2: only have five hundred dollars left on that debt. I

767
00:35:23,600 --> 00:35:26,200
Speaker 2: know exactly what I'm earning in my retail jobs. Not

768
00:35:26,320 --> 00:35:28,359
Speaker 2: only do I have a retail job, I have two

769
00:35:28,440 --> 00:35:30,600
Speaker 2: of them, and I work six days a week. I'm

770
00:35:30,640 --> 00:35:34,480
Speaker 2: also pregnant. What the heck? You also explained how you're

771
00:35:34,560 --> 00:35:38,000
Speaker 2: using after pay as a cash flow tool, but knew

772
00:35:38,080 --> 00:35:41,480
Speaker 2: yourself so well that you didn't want two thousand dollars

773
00:35:41,520 --> 00:35:45,480
Speaker 2: on it, so negotiated them down. Actually got in contact

774
00:35:45,520 --> 00:35:47,600
Speaker 2: with them and said, can you please bring down my limit?

775
00:35:48,239 --> 00:35:50,839
Speaker 2: No one does that in advance. You know what your

776
00:35:50,880 --> 00:35:54,440
Speaker 2: tax return is going to be, and you're literally cash

777
00:35:54,520 --> 00:35:57,200
Speaker 2: planning in your head to look, I know that I've

778
00:35:57,239 --> 00:35:59,319
Speaker 2: got time and I don't have to submit my tax

779
00:35:59,360 --> 00:36:01,200
Speaker 2: return yet, so I'm not going to because I'm probably

780
00:36:01,200 --> 00:36:03,440
Speaker 2: gonna have to pay them three hundred dollars. Let's put

781
00:36:03,480 --> 00:36:06,200
Speaker 2: that off a little bit. Like you are smarter than

782
00:36:06,200 --> 00:36:09,840
Speaker 2: the average bear. If you had heard this money story

783
00:36:09,960 --> 00:36:12,800
Speaker 2: about anybody else, would you have been like, yeah, the

784
00:36:13,280 --> 00:36:14,280
Speaker 2: an E is fair.

785
00:36:15,440 --> 00:36:17,680
Speaker 4: No, I think I'm a bit harder on myself than

786
00:36:18,560 --> 00:36:22,640
Speaker 4: I would like to be. You think, well, I think

787
00:36:22,640 --> 00:36:24,520
Speaker 4: it comes from like all the past me, and now

788
00:36:24,560 --> 00:36:26,319
Speaker 4: that we kind of talk about it, I can see

789
00:36:26,400 --> 00:36:28,040
Speaker 4: that I've made a lot more growth.

790
00:36:28,160 --> 00:36:31,440
Speaker 2: You absolutely have. And then on top of that, I

791
00:36:31,480 --> 00:36:36,279
Speaker 2: can tell you're letting your money story define who you are, Like, yes,

792
00:36:36,440 --> 00:36:40,120
Speaker 2: you've come from a wealthy family and subsequently you learnt,

793
00:36:40,280 --> 00:36:42,520
Speaker 2: according to you, no money skills. But I would say

794
00:36:42,520 --> 00:36:45,600
Speaker 2: that you do have good money skills and are being

795
00:36:45,680 --> 00:36:49,400
Speaker 2: super harsh on yourself, but you cannot let yourself be

796
00:36:49,520 --> 00:36:53,000
Speaker 2: defined by your money story. Like you're the one that's

797
00:36:53,040 --> 00:36:55,120
Speaker 2: currently in control of your money story and where you're

798
00:36:55,120 --> 00:36:57,080
Speaker 2: going and what that's going to look like, and how

799
00:36:57,120 --> 00:36:59,200
Speaker 2: you and your partner deal with cash, and then how

800
00:36:59,239 --> 00:37:01,040
Speaker 2: you and your partner have the baby, and how you

801
00:37:01,080 --> 00:37:07,640
Speaker 2: communicate money conversations around her. Like an E, hypothetically, if

802
00:37:07,680 --> 00:37:11,520
Speaker 2: you were to become an a what kind of work

803
00:37:11,600 --> 00:37:12,719
Speaker 2: do you think that would take?

804
00:37:14,000 --> 00:37:16,120
Speaker 4: I think I would like to be out of debt,

805
00:37:16,480 --> 00:37:20,279
Speaker 4: and I'd like to have my emergency fund sort of

806
00:37:20,320 --> 00:37:23,239
Speaker 4: sorted so that I could start saving for like other

807
00:37:23,280 --> 00:37:26,719
Speaker 4: bits and pieces, because like I said, I'm still impulsive,

808
00:37:26,800 --> 00:37:28,799
Speaker 4: so I think i'd want to get on top of

809
00:37:28,840 --> 00:37:31,480
Speaker 4: that a little bit before I could say for certain

810
00:37:31,600 --> 00:37:35,520
Speaker 4: that I'm an A. But I think if I'm being

811
00:37:35,640 --> 00:37:38,520
Speaker 4: kinder on myself, maybe I'm a C right now, but

812
00:37:38,800 --> 00:37:39,759
Speaker 4: working my way up.

813
00:37:39,960 --> 00:37:42,960
Speaker 2: I love that. I feel like sometimes we get money

814
00:37:43,000 --> 00:37:46,200
Speaker 2: dirests on and it's this beautiful reflection that maybe they're

815
00:37:46,239 --> 00:37:50,440
Speaker 2: not doing as bad as they thought they would. And

816
00:37:50,520 --> 00:37:52,400
Speaker 2: I think the thing that I love about this is

817
00:37:52,680 --> 00:37:54,239
Speaker 2: you said, look, I really want to get on top

818
00:37:54,280 --> 00:37:57,120
Speaker 2: of my debt. I really want to create an emergency fund.

819
00:37:57,160 --> 00:37:59,480
Speaker 2: I really want to shift my mindset a bit. But

820
00:37:59,520 --> 00:38:04,359
Speaker 2: you're so of that. Like people who aren't changing and

821
00:38:04,480 --> 00:38:07,799
Speaker 2: are genuinely an E or an EF at money, they're

822
00:38:07,800 --> 00:38:11,640
Speaker 2: not talking about shifting their mindset. They're not, you know,

823
00:38:11,760 --> 00:38:13,920
Speaker 2: talking about getting on top of debt and having an

824
00:38:13,920 --> 00:38:17,080
Speaker 2: emergency fund, both of which are very bright lights in

825
00:38:17,120 --> 00:38:19,560
Speaker 2: the tunnel at the moment, because we know you're about

826
00:38:19,600 --> 00:38:21,279
Speaker 2: to get on top of your debt. We know that

827
00:38:21,360 --> 00:38:25,400
Speaker 2: you're planning to organize an emergency fund. Like I like

828
00:38:25,480 --> 00:38:27,879
Speaker 2: that you're a C. I can see that becoming an

829
00:38:27,920 --> 00:38:31,880
Speaker 2: A is definitely in your future. But I have loved

830
00:38:31,880 --> 00:38:33,799
Speaker 2: this money dory. I feel like it is such a

831
00:38:33,800 --> 00:38:36,880
Speaker 2: good reminder that we are all so harsh on ourselves

832
00:38:36,960 --> 00:38:40,640
Speaker 2: until we like zoom out. We have thousands of people

833
00:38:40,680 --> 00:38:42,960
Speaker 2: that write in to share their money stories with us,

834
00:38:42,960 --> 00:38:46,359
Speaker 2: and I'm so grateful for that. But even if you

835
00:38:46,480 --> 00:38:49,160
Speaker 2: don't end up on the show, maybe sitting down and

836
00:38:49,200 --> 00:38:52,040
Speaker 2: writing out your money story and answering all of the

837
00:38:52,040 --> 00:38:54,720
Speaker 2: money story questions like you know, what is your attitude

838
00:38:54,760 --> 00:38:57,440
Speaker 2: towards money? What would you grade yourself? You know, what

839
00:38:57,480 --> 00:39:00,160
Speaker 2: are your goals? How much are you spending? Like are

840
00:39:00,200 --> 00:39:02,680
Speaker 2: you investing? Are you in debt? And actually sitting down

841
00:39:02,680 --> 00:39:05,799
Speaker 2: and going, well, what does this actually look like? I

842
00:39:05,840 --> 00:39:09,200
Speaker 2: think so many of us would regrade ourselves and go, actually,

843
00:39:09,360 --> 00:39:11,800
Speaker 2: I'm doing pretty well and I'm pretty proud of myself.

844
00:39:11,840 --> 00:39:14,360
Speaker 2: So I hope that people, after listening to your money

845
00:39:14,400 --> 00:39:17,799
Speaker 2: story go if she thought she was an E and

846
00:39:17,840 --> 00:39:21,240
Speaker 2: got upgraded to a seat, I could probably do the same.

847
00:39:22,280 --> 00:39:24,040
Speaker 4: I hope. So I think that's why I wanted to

848
00:39:24,040 --> 00:39:26,200
Speaker 4: come on because as much as I love hearing everybody

849
00:39:26,200 --> 00:39:29,680
Speaker 4: who is fantastic, I also wanted to come on and

850
00:39:29,719 --> 00:39:32,360
Speaker 4: be an inspiration for somebody who's in the same situation

851
00:39:32,440 --> 00:39:32,680
Speaker 4: as me.

852
00:39:32,880 --> 00:39:35,000
Speaker 2: I did think it was going to go into unrelatable

853
00:39:35,080 --> 00:39:37,640
Speaker 2: territory when you did say I've got about one hundred

854
00:39:37,680 --> 00:39:40,400
Speaker 2: and eighty and I was like, sorry, what like thousand

855
00:39:40,480 --> 00:39:43,920
Speaker 2: in shares? Like this just became not the diary i'd anticipated,

856
00:39:44,000 --> 00:39:47,279
Speaker 2: but money, Darrist. Sadly we've run out of time, but

857
00:39:47,440 --> 00:39:50,560
Speaker 2: I have adored having this conversation with you. I'm so

858
00:39:50,840 --> 00:39:54,040
Speaker 2: excited for everything that's in your future. I'm so excited

859
00:39:54,040 --> 00:39:56,200
Speaker 2: that you get to go on the parenting journey and

860
00:39:56,239 --> 00:39:59,280
Speaker 2: that you're getting all your money together. I get extra

861
00:39:59,360 --> 00:40:02,040
Speaker 2: excited when people are only a couple of hundred dollars

862
00:40:02,080 --> 00:40:04,600
Speaker 2: off paying off their debt, like it's a good time

863
00:40:04,960 --> 00:40:07,600
Speaker 2: to be talking about money. So money, Doris, thank you

864
00:40:07,640 --> 00:40:10,440
Speaker 2: so much. I've adored this, and I know our community

865
00:40:10,440 --> 00:40:11,120
Speaker 2: will as well.

866
00:40:11,800 --> 00:40:14,080
Speaker 4: Thank you so much. I've really loved chatting to units

867
00:40:14,239 --> 00:40:16,040
Speaker 4: change my opinion of myself a little bit, which is

868
00:40:16,080 --> 00:40:17,080
Speaker 4: lovely good.

869
00:40:17,680 --> 00:40:26,000
Speaker 2: Oh my gosh, thank you so much. The advice shared

870
00:40:26,040 --> 00:40:28,440
Speaker 2: on She's on the Money is general in nature and

871
00:40:28,480 --> 00:40:32,080
Speaker 2: does not consider your individual circumstances. She's on the Money

872
00:40:32,239 --> 00:40:35,800
Speaker 2: exists purely for educational purposes and should not be relied

873
00:40:35,840 --> 00:40:38,960
Speaker 2: upon to make an investment or financial decision. If you

874
00:40:39,040 --> 00:40:41,799
Speaker 2: do choose to buy a financial product, read the PDS

875
00:40:41,840 --> 00:40:45,840
Speaker 2: TMD and obtain appropriate financial advice tailored towards your needs.

876
00:40:46,200 --> 00:40:50,160
Speaker 2: Victoria Divine and She's on the Money are authorized representatives

877
00:40:50,200 --> 00:40:54,080
Speaker 2: of money. Sheper pty Ltd ABN three two one IS

878
00:40:54,120 --> 00:40:57,960
Speaker 2: six four nine two seven seven zero eight AFSL four

879
00:40:58,120 --> 00:41:03,600
Speaker 2: five one two eight ninete